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West Milton State Bank

West Milton, PA · Cert 8421

FDIC · 7 branches

Q3 2025

$587.3MAssets
$400.1MLoans
$501.0MDeposits
$36.3MEquity
Loan mix
93%RE $365.7M5%C&I $20.9M1%Consumer $4.6MQ4 2023Q3 2025
Deposit mix
94%Interest-bearing $470.7M6%Noninterest $30.4MQ4 2023Q3 2025

Market Position · Williamsport, PA · 2025 SOD (annual) · 0.7% share · #10 of 11 inst. · $0.0B of $3.1B

29.2% Union
6.4% Northumberland
2.4% Snyder
0.7% Lycoming

Executive Summary

  • Earnings: ROA of 0.01%, down 37 bps year over year; NIM at 2.87%.
  • Asset quality: problem loans at 0.56% of loans (+17 bps YoY), with net charge-offs at 0.73%.
  • Capital: tier 1 leverage ratio of 8.28%, down 26 bps from a year ago.
  • Funding: loans stand at 79.85% of deposits as of Q3 2025.

Return on Assets (YTD, annualized)

0.01%-37 bps YoY

Net Interest Margin (YTD, annualized)

2.87%+52 bps YoY

Efficiency Ratio (YTD, annualized)

88.04%+230 bps YoY

Tier 1 Leverage Ratio

8.28%-26 bps YoY

NIM

4.12%Q3 ’234.67%Q3 ’244.93%Q3 ’25-2%+22%

Non-interest income vs. expense

2.39%Q3 ’232.35%Q3 ’242.88%Q3 ’25-1%+27%

Year to date, annualized, through each quarter.

MetricQ4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025Q3 2025YoY ΔTrend
Earnings
Return on Assets0.39%0.29%0.34%0.37%0.41%0.55%0.55%0.01%-37 bps
Return on Equity7.59%5.11%5.95%6.38%6.96%9.36%9.15%0.09%-630 bps
Net Interest Margin2.34%2.32%2.33%2.34%2.39%2.69%2.76%2.87%+52 bps
Efficiency Ratio84.38%88.71%87.14%85.73%83.02%79.93%80.14%88.04%+230 bps
Non-Interest Burden1.91%2.01%1.98%1.95%1.91%2.07%2.14%2.47%+52 bps
Growth
Asset Growth (YoY)5.54%3.08%3.43%4.32%0.35%2.82%-0.08%-1.39%-570 bps
Loan Growth (YoY)11.72%7.21%6.39%6.15%6.77%9.13%6.09%3.22%-293 bps
Deposit Growth (YoY)-2.76%-7.18%-4.93%-4.61%-1.83%5.29%4.32%1.25%+586 bps
Asset Quality
Nonperforming Loans / Loans0.21%0.37%0.38%0.40%0.39%0.29%0.35%0.56%+17 bps
Net Charge-Offs / Loans0.06%0.00%0.00%0.01%0.01%0.04%0.04%0.73%+72 bps
Allowance / Loans0.89%0.90%0.88%0.86%0.88%0.85%0.85%0.80%-6 bps
Allowance Coverage of NPLs4.3x2.4x2.3x2.2x2.2x3.0x2.4x1.4x-0.7x
Capital
Tier 1 Leverage Ratio8.44%8.52%8.57%8.53%8.64%8.61%8.66%8.28%-26 bps
Total Risk-Based Capital11.23%11.39%11.25%11.24%11.41%11.30%11.37%10.89%-35 bps
Equity / Assets5.77%5.65%5.69%6.38%5.78%5.97%6.17%6.18%-20 bps
Liquidity & Funding
Loans / Deposits73.95%75.70%77.78%78.32%80.43%78.46%79.10%79.85%+153 bps
Liquid Assets / Assets0.11%0.35%0.26%0.24%0.23%0.35%0.34%0.23%-1 bps
CRE / Total Capitaln/an/an/an/an/an/an/a398%n/an/a